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Travel Insurance Calculator

Calculator

Estimate travel insurance costs for domestic and international trips. Compare cover levels for medical, cancellation, luggage, and adventure activities.

Free to useNo data storedAI insightsUpdated: February 2026

A medical emergency overseas without insurance can be financially devastating — a broken leg in the US costs $20,000-$50,000+, an ICU stay $10,000+ per day, and emergency evacuation $50,000-$150,000. Travel insurance is cheap compared to these risks: typically $50-$300 for a 2-week international trip. It also covers trip cancellation, lost luggage, and travel delays.

Enter Your Details

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USA and Canada have the highest medical costs

Longer trips cost more to insure

Family policies are usually cheaper than individual policies combined

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Flights, accommodation, tours — what you'd lose if you cancel

Comprehensive includes higher limits and more covered events

Adventure activities require additional cover and increase premiums

Premiums increase significantly over 65

Real-World Examples

Family Holiday to Bali, 10 Days

Family of 4, standard tourism, $6,000 total trip cost.

Standard cover estimated: $180-$300 for the family. Medical cover: $unlimited. Cancellation: up to $6,000. Luggage: $5,000-$10,000. Without insurance: a child's broken arm could cost $5,000-$15,000 at a private hospital.

Skiing Trip to Japan, 2 Weeks

Couple, snow sports, $8,000 trip cost.

Comprehensive + snow sports add-on: $250-$400 for the couple. Snow sports injuries are expensive — ACL reconstruction in Japan: $15,000-$25,000. Emergency evacuation from a ski resort: $20,000+. The $300 premium is trivial compared to the risk.

Frequently Asked Questions

Glossary

Medical Evacuation
Emergency transport to the nearest adequate medical facility. Can cost $50,000-$150,000+ without insurance.
Trip Cancellation
Reimburses prepaid, non-refundable trip costs if you need to cancel for a covered reason.

How to Use

  1. 1Select your destination and trip duration.
  2. 2Choose the number of travellers.
  3. 3Enter the total prepaid trip cost (for cancellation cover).
  4. 4Select your preferred cover level.
  5. 5Add adventure activities if applicable.
  6. 6See estimated premium and cover breakdown.

Key Information

  • Medicare does NOT cover you overseas (except limited reciprocal agreements with 11 countries).
  • USA medical costs are the highest in the world — always get unlimited or high-limit medical cover.
  • Trip cancellation cover reimburses prepaid costs if you can't travel due to illness, injury, or other listed events.
  • Adventure activities (skiing, scuba, etc.) are typically excluded from standard policies.

Pro Tips

  • Buy insurance as soon as you book — cancellation cover starts immediately, protecting your prepaid costs.
  • If you travel 3+ times a year, annual multi-trip policies are much cheaper than single-trip policies.
  • Read the PDS for COVID-19 cover — policies vary widely on pandemic-related claims.
  • Check your credit card — some premium cards include complimentary travel insurance (compare the cover level).

Avoid These Mistakes

  • Not getting travel insurance at all — 'I'll be fine' is not a strategy when a US hospital bill can bankrupt you.
  • Buying insurance after the trip has started — pre-existing events and known circumstances won't be covered.
  • Not declaring pre-existing medical conditions — undisclosed conditions can void the entire policy.
  • Assuming skiing/scuba is covered on a standard policy — adventure activities need specific add-ons.

Disclaimer: This calculator provides estimates only and should not be relied upon for financial decisions. Interest rates, fees, and policies change frequently. Always verify information with lenders directly. This is general information, not personal financial advice. Consider seeking advice from a licensed mortgage broker or financial advisor.

Last updated: February 2026

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